Share Certificates are available with a wide range of terms to fit your individual needs. Based on the term, dividends can be transferred to your share savings account, your checking account, compounded into the certificate or paid directly to you. Austin Telco Federal Credit Union's certificates offer rates that are among the most competitive in today's market.

Share Certificate and IRA Share Certificate Accounts

Share Certificate Rates - Effective as of December 3, 2018

$1,000 to $94,999

Term

Dividend Rate

Annual Percentage Yield

6 mo.

1.45%

1.46%

12 mo.

2.10%

2.12%

18 mo.

2.20%

2.22%

24 mo.

2.40%

2.42%

36 mo.

2.60%

2.63%

48 mo.

2.70%

2.73%

60 mo.

2.95%

2.98%

$95,000 to $224,999

Term

Dividend Rate

Annual Percentage Yield

6 mo.

1.75%

1.76%

12 mo.

2.35%

2.37%

18 mo.

2.40%

2.42%

24 mo.

2.75%

2.78%

36 mo.

2.85%

2.88%

48 mo.

2.95%

2.98%

60 mo.

3.20%

3.24%

$225,000 and Above

Term

Dividend Rate

Annual Percentage Yield

6 mo.

1.85%

1.86%

12 mo.

2.65%

2.68%

18 mo.

2.75%

2.78%

24 mo.

2.85%

2.88%

36 mo.

2.95%

2.98%

48 mo.

3.05%

3.08%

60 mo.

3.30%

3.34%

A minimum deposit of $1,000 is required.

$95,000 for Jumbo Certificates

$225,000 for Super Jumbo Certificates

Dividends are compounded and paid quarterly.

No monthly account/service fees.

Funds must remain on deposit for the term of the certificate or penalties will apply as follows:

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